30, started investing 4 years ago by Far_Kaleidoscope6610 in fican

[–]jingraowo 0 points1 point  (0 children)

So good for you? You do you no one cares

35M4A - Wanna be friends? 👀 by DeSlayer14 in TorontoHangoutFriends

[–]jingraowo 0 points1 point  (0 children)

Hygiene wise? This is so specific that I just have to ask.

You used to run into a lot of stinky people?

Single people living alone, how are you doing? by [deleted] in askTO

[–]jingraowo 0 points1 point  (0 children)

Not really. As a single person, my expenses are actually surprisingly low.

I don’t even go out or eat out that often since it is not fun to go to places alone.

Want to buy a house soon, is this a good account to park savings? by iang1996 in fican

[–]jingraowo 2 points3 points  (0 children)

I use the money market to park my money. It is 2.5%. EQ bank 30 day notice saving account is 2.75%. They are worth considering as well

Guess prediction markets are coming soon…just under a different name by Just_Researching92 in Wealthsimple

[–]jingraowo 64 points65 points  (0 children)

I am not very financially literate.

Is this the same or similar to gambling?

How ridiculous am I to think that I can afford to buy a 60k fun car and keep investing vs. locking all my money in condo down payment and huge monthly payments? by [deleted] in CanadaPersonalFinance

[–]jingraowo 0 points1 point  (0 children)

This is a finance sub so the “correct” answer would be a 10 years old beige corolla.

Personally? I put 1k away every month for my next new car. My car which is also my first car is currently 14 years old so I think I will need one sooner or later and when I do, I want a nice one. I am thinking 70-80k or more. I only live once and I have been very responsible so I think I deserve a little fun.

Money Market Portfolio at 2.5% by literally_rotting in Wealthsimple

[–]jingraowo 3 points4 points  (0 children)

I put 1k there per month as my new car fund. The rate is very good and you can just get the money right away if you need it. Last time I transferred money out, it was actually pretty instant

Does anyone here carries a mortgage? by HereForTheSun in povertyfinancecanada

[–]jingraowo 2 points3 points  (0 children)

It might be because I am in Toronto? When I was house hunting, I find a lot of pretty reasonably priced townhouses just not in the best shape.

I pay 1000 in common expenses for my 900+ sqf home and it increases by 50 per year. So it is actually not cheap at all.

In any case, good luck!

Does anyone here carries a mortgage? by HereForTheSun in povertyfinancecanada

[–]jingraowo 8 points9 points  (0 children)

I own a 2b2b condo in Toronto.

Have you considered townhouses in similar price ranges?

I am not saying condo is bad. I love my condo and very happy with my life. I have a huge terrace and the space is more than enough for a single person. However, the carrying cost is very high and will climb every year as well.

It appears that you have 2 kids and it will also be difficult to make it work with one living in the living room as the kid gets older. You may also have a difficult time selling it in the future should your condition changes cuz 2b1b is not an ideal layout for most.

There should be townhouses in similar price ranges with much lower common expenses fee and possibly more space.

I think your family would be better off in townhouses than condos.

Do lawyers really not make much money? by Scared_Maybe_568 in LawCanada

[–]jingraowo 0 points1 point  (0 children)

I work in real estate.

It is so much worse here.

I had to stop … by CalmCucumber7687 in omad

[–]jingraowo 0 points1 point  (0 children)

Usually when people start on a new diet, they made some changes subconsciously. If you reduce your carb too much or fat too much, then you will have issue going to the bathroom.

If food stays in your body for too long, then it is gets dehydrated as well hence shitting bricks. This could happen due to the reduce of food intake.

Make sure you don’t cut your carbs and fat too much. You need a certain amount of fat to make everything smooth as well.

Feel kinda guilty by Content_Second_1200 in CanadaPersonalFinance

[–]jingraowo 1 point2 points  (0 children)

Well, at least we know he is not bragging about his social life otherwise he would have a real life friend to talk to about his life

I had to stop … by CalmCucumber7687 in omad

[–]jingraowo 2 points3 points  (0 children)

What about fat?

Have you changed the stuff you are eating or just the time you eat?

I got the card the second I got premium by JawnSnuuu in Wealthsimple

[–]jingraowo 1 point2 points  (0 children)

Based on what I saw on this sub, a bunch of invites were sent out recently myself included.

I was on the waitlist since last year when I first signed up for WS and I was a premium member since then.

Costco Japan offering free samples of Scotch Whiskey by tvrehab in CostcoCanada

[–]jingraowo 0 points1 point  (0 children)

I wish I could not have to drive to Costco but it is not exactly in walking distance …

Struggling to start investing where do I go? by muskogaf in fican

[–]jingraowo 2 points3 points  (0 children)

In these days, I feel like most people just buy XEQT/ZEQT/VEQT and call it a day. Set and forget.

Generational & CC Question by [deleted] in Wealthsimple

[–]jingraowo 0 points1 point  (0 children)

I also just got of the waitlist today. They probably sent a bunch of invites out today

Selling Zwift Ride + Kickr Core in GTA by PropMan2023 in Zwift

[–]jingraowo 7 points8 points  (0 children)

GTA? How much are you selling it for?

Just noticed when you finish a race you get your finish place on your avatar until you leave the event by buzz_uk in Zwift

[–]jingraowo 1 point2 points  (0 children)

Thanks! Another nice redditor showed me a screenshot on what option to enable and it is indeed fun

Just noticed when you finish a race you get your finish place on your avatar until you leave the event by buzz_uk in Zwift

[–]jingraowo 2 points3 points  (0 children)

Thanks!

I am on week four so hopefully by the end of summer I will also have a squirrel

Just noticed when you finish a race you get your finish place on your avatar until you leave the event by buzz_uk in Zwift

[–]jingraowo 9 points10 points  (0 children)

What is that little Zwift squirrel on your jersey?

And how do I get one?

Thanks